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Hi new to forum but have been avidly reading posts for several months. I originally had a secure loan with welcome in 2004 and had the agreement rewitten in August 2005 i am wondering if my agreement is legal on the day of signing we had to attend a branch to sign new agreement which was witnessed by a welcome employee then later the same day we had urgent calls from branch saying tha the agreement was wrong and that our account manager would attend our property that night to get the correct agreement signed. Our account manager attended he was rushing us to sign the agreement and departed with all the paperwork saying that we would get our copy in the post needless to say we never received it i sent a cca request and welcome returned a credit agreement in the time frame stated but this was a photo copy and was signed as being witnessed by the branch manager and not the account manager who attended and signed with us it is also curiously not dated and the PPI box although it has no amounts in it is signed by us both but our signatures are over each other. This leads me to think that this document is forged. Any suggestions where i should go next with this.

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I would be inclined to send off a sar to find out exactly what they have been doing on the account there should at least be a computer note in there stating u had to resign and whats the bets they charged £25 for their little visit due to their c*ck up!

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:


If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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